LendingCrowd
Edinburgh-based UK SME term lender that launched in 2014 as a P2P platform and now funds via a mix of retail and institutional capital. Tickets £75k to £500k over 6 to 60 months. Eligibility floor sits at 2 years trading, £100k turnover, Ltd or LLP, with a property-owning director PG up to £350k.
Quick verdict
- Product: Term loan.
- Ticket band: £75k to £500k.
- Pricing: Fixed for the term, quoted at offer.
- LendingCrowd says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
LendingCrowd, at a glance
- Legal entity
- LendingCrowd Finance Limited
- Companies House
- SC623674
- Founded
- 2014
- Product
- Term loan
- Ticket range
- £75k to £500k
- Decision time
- 24 to 48 hours
- Ltd-only
- Yes
Where LendingCrowd is strong
- Mid-ticket coverage (£75k to £500k) underserved by smaller fintechs.
- Fixed-rate-for-term pricing rather than variable.
- No early repayment fees.
- Funds typically next working day after approval.
Watch-outs, and when another lender may suit better
- Two years trading and £100k turnover floor rules out newer Ltd companies.
- Property-owning director PG needed up to £350k; additional security above that.
- Headline APR not advertised; quoted only at offer.
- Smaller brand awareness vs Funding Circle / iwoca for equivalent tickets.
Best fit applicants
- Established Ltd / LLP with £100k+ turnover
- £75k to £500k tickets
- Director-led SMEs comfortable with a property-backed PG
Where LendingCrowd is the wrong fit
- Sub-2-year trading
- Sub-£100k turnover
- Pre-revenue startups
If declined by LendingCrowd
If your application to LendingCrowd is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate LendingCrowd
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through LendingCrowd?
LendingCrowd offers term loan. Ticket range: £75k to £500k. Typical rate: Fixed for the term, quoted at offer.
How long does LendingCrowd take to decide?
24 to 48 hours LendingCrowd says checking eligibility uses a soft search, so it does not affect your credit score.
Who is LendingCrowd the best fit for?
First on the list: Established Ltd / LLP with £100k+ turnover. The full list is under Best fit applicants above.
When might another lender suit better than LendingCrowd?
First on the list: Sub-2-year trading. The other cases are under Where LendingCrowd is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: LendingCrowd
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.